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5 factors that may be affecting your car insurance rates

HOW TO GET CHEAPER RATES ON CAR INSURANCE

HOW TO GET CHEAPER RATES ON CAR INSURANCE

Clean up your credit

All states but California, Hawaii, Michigan and Massachusetts allow car insurers to look at your credit. Improving it can lower your rates and save a nice chunk over the long haul. If you’ve had any financial setbacks, try your insurer to see how they handle major events like divorce or job loss. They’re more likely to be forgiving Thanks to the National Conference of Insurance Legislatures model law.

Brush up on your driving skills

Stay in the know with the driver point reduction program in your state– which may automatically reduce points with good driving over time. Taking a defensive driving course, can also lower rates by 10% for three years and reduce up to 4 points on your license. Some state courts allow dismissal of traffic violations or point reduction upon completion; some even require it or lessen the violation or fines. Ultimately, it’s up to the insurer if any point reduction will help your rates once the violation is on record.

Do your homework

If you’re in the market for a new car, you’ll most likely need comprehensive, collision and gap. Vehicle comparison tools are a great way to factor costs down the road. Besides lower theft rates, some cars are cheaper to insure based on safety and reliability scores.

Comparison Shop

Shop around. Comparing several car insurance quotes is one of the best strategies to immediately lower your premium. The difference in rates can vary significantly since every company uses their own algorithm.

Auto Insurance Discounts Based On Age

How old you are is an important factor car insurance companies use to determine your rates. Typically, seasoned drivers pay the least, while teen and senior drivers, the most. Here’s some car insurance discounts and tips to use and enjoy family savings that’ll have you planning your next road trip.

Another reason to get good grades, the good student discount rewards students with averages B or higher. Since first time young drivers won’t have a driver’s abstract or credit report, the good student discount is the best way students can save up to 25% on their premium. In Georgia, the discount is state mandated. Young drivers can also get discounts for Fraternity or Sorority memberships, volunteering or for certain professions in Government, Paramedics, Nursing, Police, and Military. It’s different for every insurer, so you may have to dig to find breaks worth stopping for. If you’re an out of state college student and use your car only when you return home, you may already be receiving a low mileage or distant student discount. But make sure it’s being applied for a nice-sized savings. Typically, the good student discount requires attendance of college of at least 100 miles away. Some car insurance companies will also credit young drivers for completing classes required for driver licenses or taking a DMV approved drivers ed course, as much as 10-15% off your bill. It’s mandated in South Carolina and Georgia.

Based on age alone, middle-aged drivers have honed their driving skills, and pay the least amount in car insurance premiums. Midlife achievers can enjoy on the spot savings by taking inventory of the most common overlooked discounts: New Home, New Car, Affinity, Professional, Fraternity/Sorority Memberships, Employee/Job Stability Discounts, Multi-Car, Multi-Policy and Loyalty Discounts. 39 states offer a two- or three-year state mandated senior auto insurance discount to drivers who take a DMV approved driving course. Some states require that the driver be free of violations and accidents for the period before or after the reduction. Many insurers automatically apply the discount to drivers who maintain a clean license for 3 years. The mature driver discount aka senior discount course can be taken by seniors as young as 50 and by all drivers in some states.

Seniors more than any other age group are more inclined to follow the rules of the road. They value what they have, maintain and equip their cars with the latest safety features– offering them some of the best traditional discounts: Good Driver, Anti-theft, New Car, Reliable Car and Safety Features and Mature Driver Discount. There’s also loyalty, paying in full, and other traditional discounts seniors can take advantage of. Being retired has perks of its own. Car insurers often offer discounts to retirees– some better than others for certain professions. Seniors can also get discounts for a member of an alumni or auto club. Retired seniors may drive less. The low mileage discount can often get lost between retirement and renewal.

Whether you’re a newbie or seasoned driver, stacking discounts can get cheaper rates on car insurance. But being a safe driver is #1. Keeping a clean record, good credit scores, and continuous car insurance coverage, are good rules to follow on the road–to keep your car insurance rates down at any age.

HOW TO GET CHEAPER RATES ON CAR INSURANCE

HOW TO GET CHEAPER RATES ON CAR INSURANCE

Clean up your credit

All states but California, Hawaii, Michigan and Massachusetts allow car insurers to look at your credit. Improving it can lower your rates and save a nice chunk over the long haul. If you’ve had any financial setbacks, try your insurer to see how they handle major events like divorce or job loss. They’re more likely to be forgiving Thanks to the National Conference of Insurance Legislatures model law.

Brush up on your driving skills

Stay in the know with the driver point reduction program in your state– which may automatically reduce points with good driving over time. Taking a defensive driving course, can also lower rates by 10% for three years and reduce up to 4 points on your license. Some state courts allow dismissal of traffic violations or point reduction upon completion; some even require it or lessen the violation or fines. Ultimately, it’s up to the insurer if any point reduction will help your rates once the violation is on record.

Do your homework

If you’re in the market for a new car, you’ll most likely need comprehensive, collision and gap. Vehicle comparison tools are a great way to factor costs down the road. Besides lower theft rates, some cars are cheaper to insure based on safety and reliability scores.

Comparison Shop

Shop around. Comparing several car insurance quotes is one of the best strategies to immediately lower your premium. The difference in rates can vary significantly since every company uses their own algorithm.

Auto Insurance Discounts Based On Age

How old you are is an important factor car insurance companies use to determine your rates. Typically, seasoned drivers pay the least, while teen and senior drivers, the most. Here’s some car insurance discounts and tips to use and enjoy family savings that’ll have you planning your next road trip.

Another reason to get good grades, the good student discount rewards students with averages B or higher. Since first time young drivers won’t have a driver’s abstract or credit report, the good student discount is the best way students can save up to 25% on their premium. In Georgia, the discount is state mandated. Young drivers can also get discounts for Fraternity or Sorority memberships, volunteering or for certain professions in Government, Paramedics, Nursing, Police, and Military. It’s different for every insurer, so you may have to dig to find breaks worth stopping for. If you’re an out of state college student and use your car only when you return home, you may already be receiving a low mileage or distant student discount. But make sure it’s being applied for a nice-sized savings. Typically, the good student discount requires attendance of college of at least 100 miles away. Some car insurance companies will also credit young drivers for completing classes required for driver licenses or taking a DMV approved drivers ed course, as much as 10-15% off your bill. It’s mandated in South Carolina and Georgia.

Based on age alone, middle-aged drivers have honed their driving skills, and pay the least amount in car insurance premiums. Midlife achievers can enjoy on the spot savings by taking inventory of the most common overlooked discounts: New Home, New Car, Affinity, Professional, Fraternity/Sorority Memberships, Employee/Job Stability Discounts, Multi-Car, Multi-Policy and Loyalty Discounts. 39 states offer a two- or three-year state mandated senior auto insurance discount to drivers who take a DMV approved driving course. Some states require that the driver be free of violations and accidents for the period before or after the reduction. Many insurers automatically apply the discount to drivers who maintain a clean license for 3 years. The mature driver discount aka senior discount course can be taken by seniors as young as 50 and by all drivers in some states.

Seniors more than any other age group are more inclined to follow the rules of the road. They value what they have, maintain and equip their cars with the latest safety features– offering them some of the best traditional discounts: Good Driver, Anti-theft, New Car, Reliable Car and Safety Features and Mature Driver Discount. There’s also loyalty, paying in full, and other traditional discounts seniors can take advantage of. Being retired has perks of its own. Car insurers often offer discounts to retirees– some better than others for certain professions. Seniors can also get discounts for a member of an alumni or auto club. Retired seniors may drive less. The low mileage discount can often get lost between retirement and renewal.

Whether you’re a newbie or seasoned driver, stacking discounts can get cheaper rates on car insurance. But being a safe driver is #1. Keeping a clean record, good credit scores, and continuous car insurance coverage, are good rules to follow on the road–to keep your car insurance rates down at any age.